Estrellas De Sajama Group
The loan that the group will take out will benefit small micro-entrepreneurs like Ana. She explains that she joined Pro Mujer six years ago, having been invited by a relative who is a member of the institution. Currently, she has a business preparing and selling masitas. She says that she started this business years ago by selling cookies. Later, she learned to make some masitas, which were a hit in her business. To specialize in that area, she took classes to diversify her sales.
The loan that she will now take out is for the purchase of equipment—like a mixer—that she will buy from wholesale sellers and then set up in her business for the preparation of her products. Her work allows her to generate income to support herself and her family economically, since she is a single mother of one son.
When asked what she likes about Pro Mujer, she responds that she likes the collateral-free loans and the advice.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Ana es integrante, ella indica que hace seis años que integra Pro Mujer, ingresando por invitación de un familiar que es socia de la institución. En la actualidad ella tiene un negocio de preparación y comercialización de masitas; cuenta que este negocio lo inicio cobn la venta de galletas hace años, posteriormente aprendió a realizar algunas masitas mismas que fueron éxito en su negocio y para especializarse en esta área fue a un instituto a diversificar su comercio.
El crédito que ahora sacará es para la compra de herramienta (compra de batidora) que adquirirá de las personas que venden por mayor y posteriormente lo implementará en su negocio para la elaboración de sus productos. Esta forma de trabajo le permite generar recursos para apoyarse económicamente a su familia pues ella es soltera y tiene un hijo.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el préstamo sin garantía y consultorio.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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